1149 Locust Tree Dr, Annapolis, MD 21409 Property Records

Anne Arundel County property record for 1149 Locust Tree Dr, Annapolis, MD 21409

Property Summary

Property Type	Exempt (Full or Partial)
Details	3.5 ba · 2,252 sqft · built 1973
Lot Size	0.264 acres (11,505 sqft)
Owner	Individual Name on File
Last Sale	$195,500 (Oct 2015)
Tax Bill	$524 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-165-20928500`

Property Details

APN / Parcel Number

Primary APN	`03-165-20928500`
Alternative APNs	`3-165-20928500` `16520928500`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,252 sqft Gross Area
1st Floor Area	1,140 sqft
Basement Area	504 sqft
Finished Basement	504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Foyer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,505 sqft (0.264 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	76 sqft
Deck Area	320 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	16520928500
Street Address	1149 LOCUST TREE DR
City	ANNAPOLIS
State	MD
Zip	21409-4825
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	R5
Legal Description	LT 35 BK M PL 2 CAPE ST CLAIRE
Legal Subdivision	CAPE ST CLAIRE
Legal Block	M
Legal Lot Number	35
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	1
Census Block	1016
Census Tract	731003

Owner

1149 Locust Tree Dr is owned and occupied by an individual who bought it in October 2015.

Source: Anne Arundel County records, as of September 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1149 LOCUST TREE DR, ANNAPOLIS, MD 21409-4825
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2015 · Amount on File
Deed Sale	Oct 7, 2015 · Amount on File
Prior Sale	Dec 10, 2014 · Amount on File
Deed Book / Page	28876 / 75
Transfer Doc	0172370030
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1149 LOCUST TREE DR, ANNAPOLIS, MD 21409-4825
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0357500178
Date	Dec 8, 2020
Book Page	35750/178

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1149 Locust Tree Dr was $524 with a homeowner's exemption, down 89.3% from the year before.

Source: Anne Arundel County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Anne Arundel County
Unified School District	Anne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$448,300 (+4.99%)	$469,600 (-) Land $247,500 Building $222,100
2025	$524.00 (-89.27%) Homeowner's exemption	$427,000	$469,600 Land $247,500 Building $222,100
2024	$4,884.00 (+21.58%)
2023	$4,017.00 Homeowner's exemption	$395,633	$405,700 Land $237,500 Building $168,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1149 Locust Tree Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 37 policies
Nearby Flood Policies	37 in force
Nearby Flood Claims	3 (2003–2021)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2021 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1149 Locust Tree Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GLEN BURNIE-BROADNECK serves 290,606 people · EPA ID MD0020017
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2016–2018) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Locust Tree Dr

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